- Workers Compensation Insurance - depending upon your state laws your church may need to provide its employees workers compensation coverage.
- Health Insurance - your church may need to offer health insurance as a benefit to attract clergy or for permanent employees.
- Surety Bonds - you may wish to have any volunteers that work with church funds bonded.
- Travel and International Operations - your denomination may minister or send missionaries overseas and you will want to consider this coverage for those operations.
The focus of this article is on smaller churches. Larger churches may need different coverages and may benefit from some aspects of their operations being self-insured. Larger churches may operate schools, daycare, or retirement facilities. Such large operations may benefit more from the service of a broker instead of an agent as some of these operations require specialized coverage on their own.